| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $191 | $52K | 11.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.43% |
| RACHEL THERIOT CURRY3 | 109 WINGED FOOT DRIVE BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.90% |
| LEILANI THERIOT3 | 1017 SOLOMAN STREET BREAUX BRIDGE, LA 70517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.07% |
| JEANNE LANDRY3 | 1113 BAYOU TERRACE BREAUX BRIDGE, LA 70517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.07% |
| KEITH WILLIAM BELLE3 | 105 GENNA LANE YOUNGSVILLE, LA 70592 | CONTINENTAL AMERICAN INSURANCE COMPANY | $735 | $0 | $735 | 0.90% |
| DAVIDSON INSURANCE AGENCY, LLC3 | 2200 TOWER DRIVE MONROE, LA 71201 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2K | $0 | -$2K | -2.71% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS & FARR AGENCY, INC. | 2200 TOWER DRIVE MONROE, LA 71201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $0 | $522 | 6.23% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.69% |
| ANN LAURA TRICHEL3 | PO BOX 912 THROCKMORTON, TX 76483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.69% |
| SUSAN B STEELE3 Filed as: SUSAN B. STEELE | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.52% |
| JANICE D RUCKS3 Filed as: JANICE D. RUCKS | 1204 CHAMBERLAIN, NUMBER 4 MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.39% |
| TROY J PALMER3 Filed as: TROY J. PALMER AND OTHER AGENTS | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.07% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $452K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $452K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $461K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $452K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.